Spaulding, OK
Spaulding wildfire risk explained
USFS's Wildfire Risk to Communities model puts Spaulding at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 161 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spaulding's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Spaulding: 100% of its 161 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Spaulding compares
There's little gap between Spaulding's 96th national percentile and its 87th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Spaulding ranks 1,206 for wildfire risk (1 is highest) and 26,402 by building count (1 is largest). Within Oklahoma alone, it ranks 107 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Spaulding and the insurance market
At the 96th percentile nationally, Spaulding carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because Direct exposure dominates in Spaulding (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Spaulding's figures come from
Spaulding's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Spaulding's dominant direct exposure actually means, with real examples from across the dataset.